Postal savings bonds and deposit account with interest at 5.70%. Here are the 2023 offers

Deposit account and postal savings bonds increasingly sought after. Here are the ones that make it 5.70% and 4.50%.

Do you have any savings and are you deciding what to invest them in? Well, we offer you two very profitable investments in terms of interest rates.

It is a deposit account and a postal savings certificate which offer a high rate of return in this 2023.

The international crisis between Russia and Ukraine is bringing the entire European economic system to its knees. Certainly the situation does not improve if we analyze the Italian context.

The latest data for November shows how inflation reached 11% in November causing Italian families to lose purchasing power.

In a context of severe economic crisis it is very difficult to put aside some money. Those who have managed to do so prefer not to invest them but keep them safe in current accounts.

It must be said that this is certainly not the best choice, given the lost earnings that could result if they were invested.

The other reason is related to loss of purchasing power. A sum deposited today in a non-interest bearing account will certainly not have the same value in a few years. In a nutshell, with the same amount as today, much less goods will be purchased than today.

To all this we add that the Italian families are very reluctant to invest in alternative financial solutions, this means that they have a low propensity for risk, leading them to prefer the more peaceful current accounts compared to other financial instruments that are certainly more profitable.

However, many Italians in recent months are dividing themselves between investments on deposit and postal bonds.

Currently there are dEU offering yields up to 5.70% and 4.50%. Here’s what they are.

Postal savings bonds and deposit account with interest at 5.70%. Here are the 2023 offers

Deposit accounts and postal savings bonds increasingly chosen by Italian savers. After the interest rate increases, many Italians consider them the best savings solutions.

But is it really so? Let’s see it together.

The Deposit account is a financial solution which allows you to have a return on a sum deposited for a certain period of time. The same goes for the interest-bearing voucher. The difference is that the deposit account is based on traditional current accounts but does not allow you to make any operations.

Many families are investing more and more in these savings instruments. No doubt the reason for this increase is to be found in the increase in interest rates.

Today it is possible to have a interest rate at 5.70% if you invest in a deposit account while if the investment is made in postal savings bonds dedicated to minors, the interest rate reaches a maximum of 4.50%.

At the moment among the deposit accounts with high yields there is that of Better Bank which binds your savings for 3 to 5 years without incurring any as the account is free.

Compared to last year, therefore, postal savings bonds and deposit accounts are once again competitive in the financial market.

Deposit account, this is the best of 2023

Investing in deposit accounts is the optimal solution according to many. Today, the one that offers the highest rates of return is undoubtedly the MeglioBanca deposit account, which binds savings for 3 to 5 years at no cost.

The opening of this deposit account is very fast also thanks to the fact that it can be opened from your own internet banking.

The deposit account offers gross annual returns of up to 4.10% while the growing coupon deposit up to 5.70%.

With a 24-month bond and a deferred quarterly coupon, you earn a rate of 2% in the first year and 3.60% after two years. With a 36-month bond, a rate of 1.90% after one year, 3.50% after two years and 4.80% after three years and so on.

MeglioBanca then recognizes up to 4.10% annual interest on tied up capital with a single coupon on maturity. The only constraint is that to activate a MeglioBanca deposit account, however, you will have to sign up for a current account at the same bank which is free of charge and 100% digital.

Postal savings bond, this guarantees an interest of 4.50%

If the best deposit account is that of MeglioBanca with very high returns, on the other hand there’s a good fruit which guarantees rates not at 5.70% but at 4.50% gross per annum.

This is the title dedicated to minors that grows together with the boy until he reaches the age of majority which guarantees an interest rate of 4.50% at the end of the sixteenth, seventeenth and eighteenth years.

To subscribe to this interest-bearing voucher, the applicant must present a health card and an Italian identity card and a photocopy of the tax code/health card and identity card of the minor.